SUPPLEMENTARY PRODUCT DISCLOSURE …...Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. url.com SUPPLEMENTARY PRODUCT DISCLOSURE STATEMENT This Supplementary

Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522.

url.com

SUPPLEMENTARY PRODUCT DISCLOSURE STATEMENT

This Supplementary Product Disclosure Statement (SPDS) is issued by QBE Insurance (Australia) Limited.

It is dated 1st July 2019 and supplements the ANZ Home Insurance Product Disclosure Statement and Policy Wording (PDS) QM2087-1117. This SPDS is to be read together with the PDS, Policy Schedule and any other SPDSs issued for this product.

The purpose of this SPDS is to:

1. Update information about QBE Insurance (Australia) Limited

2. Update the External Disputes Resolution (EDR) scheme

3. Update the Sanction Limitation and exclusion clause

AMENDMENTS TO THE PDS

Updated Section(s) in PDS

Update

Issuer of this PDS On page 2, Issuer of this PDS is deleted and replaced with:

ISSUER OF THIS PDS

ANZ Home Insurance is underwritten by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035 (AFSL 239545). QBE is a member of the QBE Insurance Group Limited ABN 28 008 485 014 (ASX: QBE). QBE Insurance Group is Australia’s largest international general insurance and reinsurance group, and one of the largest insurers and reinsurers in the world.

The issuer takes full responsibility for this combined PDS and Policy document which has been prepared and is provided in accordance with Australian laws only.

ANZ Home Insurance is distributed by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 (AFSL 234527). This product is not a deposit or other liability of ANZ or its related group of companies and none of them stands behind or guarantees QBE or the product.

Customer Complaints – How to resolve a complaint or dispute

On page 58, External dispute resolution is deleted and replaced with:

EXTERNAL DISPUTE RESOLUTION

If you are not satisfied with the outcome of your complaint, or if we’ve taken more than 45 days to respond to you from the date you first made your complaint, you can contact the Australian Financial Complaints Authority (AFCA), an ASIC approved external dispute resolution body.

AFCA is a free service that resolves insurance disputes between consumers and insurers. If you wish to access AFCA, you can contact them:

Phone 1800 931 678 (free call)

Email [email protected]

Address GPO Box 3

Melbourne VIC 3001

Online www.afca.org.au

Updated Section(s) in PDS

Update

Sanctions limitation and exclusion clause

On page 39, Sanctions limitation and exclusion clause is deleted and replaced with:

SANCTIONS LIMITATION AND EXCLUSION CLAUSE

You’re not insured under any section of this Policy where a claim payment breaches any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, the European Union, United Kingdom or United States of America, or any local autonomous sanctions.

QM

8363

-071

9_A5

679

PRODUCT DISCLOSURE STATEMENT

AND POLICY DOCUMENT

6 NOVEMBER 2017

ANZ HOME INSURANCE

Australia and N

ew Zealand Banking G

roup Limited (A

NZ) A

BN 11 005 357 522.

AN

Z Item N

o. 70835/1117 QBE Item

No. Q

M2087/1117.

387670_70835/1117

Insurer

QBE Insurance (Australia) Limited (QBE)ABN 78 003 191 035AFSL 239545

anz.com/insurance

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The insurer – Domestic Workers’ Compensation

If your home is in Western Australia, the Australian Capital Territory, Tasmania or the Northern Territory, the insurer providing the Domestic Workers’ Compensation cover is QBE Insurance (Australia) Limited ABN 78 003 191 035. Cover is provided under a statutory Policy issued by QBE Insurance (Australia) Limited ABN 78 003 191 035. Claims are managed by QBE Insurance (Australia) Limited ABN 78 003 191 035.

Talk to staff at any ANZ branch

Call 13 16 14 weekdays 8am to 8pm (AEST)

Visit anz.com/insurance

FIND OUT MORE AND TAKE OUT COVER TODAY

Call 13 16 14

For 24 hour claims service

CONTENTS

2ANZ HOME INSURANCE PDS AND POLICY DOCUMENT

4WHY CHOOSE ANZ HOME INSURANCE?

5CHOICE OF COVER

6BUILDINGS COVER

18CONTENTS COVER

35LIABILITY COVER

38EXCLUSIONS

41YOUR PREMIUM

43YOUR POLICY

45YOUR RESPONSIBILITIES TO US

47CLAIMS

57CUSTOMER COMPLAINTS

59OUR COMMITMENT TO YOU

65FINANCIAL CLAIMS SCHEME

66GLOSSARY

Date of Preparation: 6th November 2017

Date Effective: 6th November 2017

QM2087-1117

ANZ HOME INSURANCE PDS AND POLICYDOCUMENT

When you take out ANZ Home Insurance, we agree to provide the cover described in your current PolicySchedule and in this PDS, as well as in any Supplementary PDS we may issue.

Together, these documents make up the terms and conditions of your Home Insurance policy with us.We recommend that you read them carefully and store them together in a safe place.

THE PURPOSE OF THIS PDS AND POLICY DOCUMENT

This combined Product Disclosure Statement (PDS) and Policy document has been designed to help youunderstand ANZ Home Insurance so you can get the most out of your Policy.

This PDS contains detailed information about ANZ Home Insurance, including:

when you are coveredwhen you are not coveredmaximum cover limits.

We have also included a glossary on Page 66 to describe words with a special meaning.

THIS PDS DOES NOT TAKE YOUR PERSONAL CIRCUMSTANCES INTO ACCOUNT

To the extent that the content of this PDS could be construed as general advice, it does not take intoaccount your personal objectives, financial situation or needs (“personal circumstances”). You shouldconsider the appropriateness of the information, having regard to your personal circumstances.

ISSUER OF THIS PDS

ANZ Home Insurance is underwritten by QBE Insurance (Australia) Limited (QBE) ABN 78 003 191 035(AFSL 239545). QBE is a member of the QBE Insurance Group Limited ABN 28 008 485 014 (ASX: QBE).QBE Insurance Group is Australia’s largest international general insurance and reinsurance group, andone of the top 25 insurers and reinsurers worldwide. The company has been operating in Australia since1886 and continues to provide insurance solutions that are focused on the needs of policyholders.

The issuer takes full responsibility for this combined PDS and Policy document which has been preparedand is provided in accordance with Australian laws only.

ANZ Home Insurance is distributed by Australia and New Zealand Banking Group Limited (ANZ) ABN 11005 357 522 (AFSL 234527). This product is not a deposit or other liability of ANZ or its related group ofcompanies and none of them stands behind or guarantees QBE or the product.

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UPDATING OUR PDS

The information in this PDS may change from time to time. Updated information will be available freeof charge from anz.com or by contacting the ANZ Insurance Centre on 13 16 14. We will issue asupplementary or replacement PDS if there is a materially adverse change to or omission from informationin this PDS.

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WHY CHOOSE ANZ HOME INSURANCE?

ANZ Home Insurance provides comprehensive protection for your home and belongings, containing aunique range of benefits including:

full building replacement cover – this means instead of asking you to estimate your buildings suminsured, we will calculate the replacement value of your buildings at today’s prices and we will rebuildthe buildings, if they are totally destroyed in an insurable event and we accept your claim. In addition,we will cover:– alternative temporary accommodation costs– architects and surveyors and legal fees– demolition and removal of debris costscover against natural events (including flood)optional cover for accidental loss or damage for your building and/or contents (at home)optional cover for contents away from home world-wideaccidental glass breakage and impact damageelectrical motor burn out and power surgenew for old replacement regardless of agetheft of cash and belongings24 hour, 7 days claims assistance servicechoice of excess to suit your needsinstalment payment options at no extra cost

You may also be entitled to receive a multi policy discount.

Discover these benefits and more in this PDS.

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CHOICE OF COVER

With ANZ Home Insurance you can tailor your insurance and select cover for buildings only, contentsonly, or for combined buildings and contents. Your choice of buildings and/or contents cover, and anyoptional cover you select, will be listed on your current Policy Schedule.

BUILDINGS COVER

Buildings cover provides cover for loss or damage to your buildings resulting from the events listed onPage 7 through to Page 13. For example, your buildings will be covered for storm damage.

Buildings cover also provides optional cover for accidental loss or damage to your buildings.

CONTENTS COVER

Contents cover provides cover for loss or damage to your contents resulting from the events listed onPage 24 through to Page 28. For example, your contents will be covered if they are damaged by fire.

Contents cover also provides optional cover at extra cost for:

specified valuables over the item limit specified under contents cover. Refer to Page 34 for furtherdetailsaccidental loss or damage cover for contents at homecontents cover away from home.

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BUILDINGS COVER

WHAT BUILDINGS WE PROTECT

We will cover residential buildings located at the insured property address listed on your Policy Schedule,their fixtures and fittings and any structural improvements at your site.

Buildings cover does not includeBuildings cover includes

Residential buildings that you live in, including anyprofessional offices or surgeries in those buildingsas long as they occupy no more than 20% of thetotal floor space.

A hotel, motel, nursing home, boardinghouse or display homes.Buildings of:– flats or units (strata title or company

title)– buildings subject to community strata

title,including any common property whichlegislation requires a Body Corporate,Corporation, Owners Corporation, Plan,Company or similar entity to insurehowever we'll insure contents containedin these units under a contents policy.Building materials to be installed.

Buildings in the course of construction,renovation, alteration or repair where theestimated value is over $100,000. Please referto the section 'CONSTRUCTION, RENOVATIONS,ALTERATIONS OR REPAIRS' on Page 46 formore information.

Buildings in the course of being demolishedor that are vacant pending demolition.

A caravan, trailer or their accessories.Domestic outbuildings, for example, garden shedand granny flats.

Carpets, floating floorboards, curtains orinternal blinds (refer to Page 18 for contentscover).

Fixed coverings to walls, floors and ceilings butnot including carpets.

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Buildings cover does not includeBuildings cover includes

Shipping containers.Infrastructure for the supply of services, includingelectricity, gas, water, internet and telephone.

Items built-in, fixed to, or on the buildings, forexample an in-built air conditioner, light fittings,kitchen cupboards and bench tops.

Blinds or awnings on the outside of the buildings.

Pathways or driveways made of earth or gravel.Fences, retaining walls, pathways or driveways.

Anything permanently built, constructed orinstalled on your site for domestic purposes,including in-ground swimming pools and spas.

Lawn.Plants or trees growing in pots and tubs.Inground plants, trees or shrubs. Refer tothe Additional benefit 'Trees, plants orshrubs replacement' for cover.Landscaping.

HOW MUCH WE WILL PAY

When you take out buildings cover, based upon the information you give us when taking out this Policy,we calculate the replacement value of your buildings at today’s price.

If your buildings are damaged or are a total loss, the amount we will pay will be the total amount requiredto repair or rebuild your home to the condition it was in just before the loss or damage occurred, butnot better. This is called full building replacement.

If you make a claim, you must pay any excesses that apply.

WHEN YOUR BUILDINGS ARE PROTECTED

The insured events that your buildings will be covered for are listed in the table below.

This cover is subject to the exclusions outlined on Page 38 to Page 39.

We won’t coverWe will coverInsured event

Fixed glass in your buildings, including anywindow tinting or shatter proofing materialattached to the glass.

Accidental glassbreakage

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Fixed shower bases, basins, sinks, spas,baths and toilets.

Loss or damage as a result ofa burglary, break-in or theft oran attempted burglary,break-in or theft:

Any loss or damage as a result of a burglary,break-in or theft or an attempted burglary,break-in or theft. The burglary, break-in ortheft or an attempted burglary, break-in ortheft, must be reported to the Police.

Burglary, break-in ortheft

by youby a tenantby somebody whoresides in the buildingsby someone else actingon your behalfwhere you share yourbuildings with more thanone other unrelatedperson who is not namedunder this Policy.

Cost to repair or replace anelectric motor if it is older than15 years old.

Cost to repair or replace an electric motorthat forms part of your buildings if it burnsout or fuses.

Burning out (fusion)of an electric motor

Loss or damage as result of adeliberate or intentional actby:

Loss or damage as a result of a deliberateor intentional act.

Deliberate orintentional acts

youa tenantsomebody who resides atthe sitesomeone else acting onyour behalf.

Loss or damage as a result ofan earthquake or tsunami ifthe loss or damage occurs

Loss or damage as a result of an earthquakeor tsunami.

Earthquake ortsunami

later than 72 hours after theearthquake or tsunamioccurring.

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Loss or damage caused by abushfire or grass fire thatoccurs within 48 hours of the

Loss or damage as a result of a fire or anexplosion.

Loss or damage as a result of charring,melting or scorching as a result of a firewithout the presence of flames.

Fire or explosion

start date of your Policy unlessyou took out this Policyimmediately after:

another insurance policycovering the samebuildings expired,without a break in cover,orthe risk passed to you aspurchaser of yourbuildings.

Loss or damage as a result ofcharring, melting or scorchingas a result of a fire without thepresence of a flame where thedamage was caused by a:

hot item includingcigarettes, cigars or pipeshome heatercooking appliance

unless you have selected andpaid for the Accidental loss ordamage (Buildings) optionalbenefit.

Loss or damage that is causedby any animal or bird eating,chewing, clawing or pecking.

Loss or damage as a result of an impactcaused by:

Impact damage

an aircraft, spacecraft or satellite, oranything dropped from thema falling television or radio antennamast or dishvehicles or watercraft

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an animal or bird that is not kept atyour sitea falling tree or part of a tree.

Cost of removing and disposing of thefallen tree or parts that caused the damage.

Damage caused when you, or someoneelse acting on your behalf, cuts down orremoves branches from a tree.

Any other erosion, subsidence,landslide or earth movementevent.

Loss or damage as a result of a landslide orsubsidence if the loss or damage occurswithin 72 hours of an insured event being:

Landslide orsubsidence

an earthquake or tsunamian explosiona storm, rainwater, flood or windliquid escaping from:– a fixed pipe– an object attached to a pipe, fixed

gutter, fixed tank or a drain, or– a standalone swimming pool or a

standalone water tank.

Loss or damage as a result of a lightningstrike or thunderbolt.

Lightning orthunderbolt

Any power surges caused atthe site.

Power surge to domestic equipmentdirectly caused by an identifiable andverifiable source outside your buildings

Power surge

including a lightning strike, an objectcontacting power lines, the resumption ofpower following a blackout caused by astorm or unexpected interference with apower company transformer by an animal.

Loss or damage as a result of riots, civilcommotion, or industrial or politicaldisturbances.

Riots or civilcommotion

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Water entering your buildings:Loss or damage as a result of:Storm, rainwater,flood or wind

through an openingmade for any building,renovation or repair work

storm (including named cyclone)rainwaterflood, or

because of a structuraldefect, faulty design orfaulty workmanship.

wind.

Action by the sea.

High tide.

Storm surge except where ithappens at the same time asflood.

Loss or damage caused by aflood or named cyclone thatoccurs within 48 hours of thestart date of your Policy unlessyou took out this Policyimmediately after:

another insurance policycovering the samebuildings expired,without a break in cover,orthe risk passed to you aspurchaser of yourbuildings.

Swimming pool covers,including solar covers andplastic liners.

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Free-standing gates andfences that are made of timberand are more than 15 yearsold.

Free-standing gates and fences, but only ifthey have been installed and constructedaccording to the manufacturer’sspecifications.

Storm, rainwater,flood or wind(continued)

The cost to remove trees,plants or shrubs except wherethe tree, shrub or plant hascaused damage to thebuildings as a result of a storm(including named cyclone),rainwater, flood or wind.

Loss or damage as a result ofvandalism or a malicious actby:

Loss or damage as a result of vandalism ora malicious act.

Vandalism or amalicious act

youa tenantsomebody who resides atthe sitesomeone else acting onyour behalf.

Loss or damage caused bywater or liquid entering yourbuildings:

Loss or damage caused by water or liquidescaping from:

Water or liquiddamage

a fixed pipe or an object attached toa pipe, fixed gutter, fixed tank or adrain

through an openingmade for any building,renovation or repair worka bath, basin, sauna, spa, shower base

or shower wall, sink, toilet or tiled floorthat has drainage holes

because of a structuraldefect, faulty design orfaulty workmanship.a washing machine or dishwasher

an aquariuma waterbeda swimming poola standalone water tank.

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Cost of repairing the item fromwhich the water or liquidescaped.

Cost of finding where the water or liquidescaped from, including the cost ofrepairing any damage that occurs whilelooking for the cause.

Water or liquiddamage(continued)

ADDITIONAL BUILDINGS BENEFITS

ANZ Home Insurance includes a range of additional buildings benefits which are included in your Policywhen you obtain buildings cover.

If you make a claim under your buildings cover for additional buildings benefits, you cannot claim thesame loss or damage under additional contents benefits if you also hold contents cover.

This cover is subject to the exclusions set out on Page 38 to Page 39.

If you make a claim for an additional buildings benefit, you will not need to pay an excess in relation tothat additional buildings benefit.

The amounts we will pay and any limits that apply are listed in the table below and are inclusive of GST.

We won’t coverWe will coverBenefit

Costs if you do not needto pay for alternativeaccommodation.

Costs of alternative accommodation for up to12 months if your buildings suffer loss or damageand you are unable to live in your buildings asa result.

Alternative temporaryaccommodation(including for pets)

If the loss or damage was as a direct result of acatastrophic event, we will cover you for up to24 months.

The loss or damage must occur as a result of anevent we have agreed to cover.

We will pay:

up to an amount that is equal to the weeklyrental value of your buildings before theevent occurred, andthe reasonable costs of alternativeaccommodation for your pets.

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Reasonable costs of employing an architect orsurveyor, and also paying any legal fees that arisefrom the rebuilding, if your buildings suffer total

Architects, surveyorsand legal fees

loss or damage as a result of an event we haveagreed to cover, and need to be rebuilt as aresult.

Reasonable costs to demolish and remove anydebris resulting from loss or damage to yourbuildings from an event that we have agreed tocover.

Demolition andremoval of debris costs

We will not cover anyperson that is workingfor you in your business,

If you employ a person to do domestic work atyour site, such as cleaning or gardening, you arecovered for the amount you are liable for if theyare injured while working for you, subject to therelevant legislation in your State or Territory.

Domestic Workers’Compensation(available in theAustralian CapitalTerritory, Tasmania,Western Australia andthe Northern Territory)

profession, trade oroccupation, or if you area landlord.The cover only applies to employees as defined

by the respective state legislation doingdomestic work for your household insured bythis Policy.

Fractures that resultdirectly or indirectlyfrom:

If you fracture an arm or leg as a result of anaccident that occurs at the site and you areadmitted to a hospital.

Fracture to limbs (ifyou are over 50 yearsof age)

We will pay $500 per incident causing thefracture.

you participating inany professionalsporting activityThe most we will pay in any one period of

insurance is $1,000. a motor vehicle ormotor bikeaccidentintentional selfinjury, suicide orattempted suicideany illness ordisease.

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The funeral costs if you, or any member of yourfamily dies:

Funeral expenses

as a result of an event that occurred at thesite that we have agreed to cover, andwithin 12 months of the event.

We will pay up to $20,000 per claim.

Costs of modifications to your buildings so youcan live in them, if you are injured as a result ofan event that occurred at the site that we haveagreed to cover, and the injuries lead topermanent paraplegia or quadriplegia.

Modifications to yourbuildings

We will pay up to $20,000 per period ofinsurance.

Reasonable legal costs associated with thedischarge of any mortgage you have left owingon your buildings if you make a claim for the

Mortgagee dischargecosts

total loss of your buildings as a result of an eventwe have agreed to cover and the mortgage isdischarged.

Reasonable costs of replacing keys and repairsto, and/ or recoding of locks and barrels if a keyto an external door or window lock of your

Replacing keys andrepairs to, and/orrecoding of locks andbarrels buildings is stolen or lost as a result of an event

we have agreed to cover. Any theft must bereported to the Police.

Costs you have paid in advance for domesticand/or international travel arrangements thatyou are unable to recover when you cancel yourtravel arrangements.

Travel cancellation

You must cancel as a result of loss or damageoccurring to your buildings caused by:

fire or explosionstorm (including named cyclone) or flood

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water or liquid damagevandalism or a malicious actearthquake or tsunamiimpact damageburglary, break-in or theft which occurswithin 14 days prior to your scheduleddeparture date.


Loss or damage to lawn.Cost to replace any trees, plants or shrubs thatare damaged or lost as a result of:

Trees, plants andshrubs replacement

burglary, break-in or theftfire or explosionvandalism or a malicious actimpact damage.


BUILDINGS OPTIONAL BENEFITS

When you choose 'Buildings' cover you can also buy the optional benefit shown in the table below foran additional premium.

If you bought this optional benefit it will be shown on your Policy Schedule and only applies:

once you've paid us the premiumfrom the date the benefit is listed on your Policy Schedule.

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Accidental loss or damage (Buildings)

We won't coverWe will cover

We'll cover unintended and unexpected loss ordamage to your buildings.

Damage caused by an event excluded underany section of this Policy.Damage caused by a boarder who is not afamily member who normally lives with you.

Damage caused by charring, melting andscorching as a result of a fire without thepresence of flames where the damage wascaused by a:

Damage caused by a tenant.A process of cleaning, repairing, restoring oraltering your buildings.

hot item including cigarettes, cigars or pipeshome heatercooking appliance.

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CONTENTS COVER

WHAT CONTENTS WE PROTECT AND HOW MUCH WILL BE PAID

We will cover the following household goods or personal effects that:

are not fixed or fitted to buildings, andyou own or are legally responsible for.

When you take out contents cover, you must nominate the replacement value of your contents at today’sprices. This is called the sum insured and is the maximum amount we will pay.

Your contents Policy covers you for three categories of contents:

1. General contents.2. Contents with a specific limit.3. Valuables.

1. General contents

For any one item, pair, set, collection or system of general contents items, we will pay up to the suminsured. The general contents covered by your Policy are listed in the table below:

General contents do not includeGeneral contents include

Camera equipment, including accessories andunprocessed film, that is being used underwateror to earn your income.

Battery powered items as listed below:portable sound and audio visualentertainment equipmentportable electronic devices including, mobilephones, smart phones, GPS, tablet computersand laptopscamera equipment, including accessories andunprocessed film.

Animals, including birds and fish.

Building materials to be installed.

Carpets, floating floorboards, curtains or internalblinds.

Clothing and personal effects.

Cost of re-creating computer data.Computer software.

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Costs of recreating any event featured on films,slides or prints.

Film, slides and prints and equipment fordeveloping and enlarging photographs.

Firearms which are kept and stored in accordancewith relevant licensing requirements.

Fixtures and fittings you have installed for yourown use if you are a tenant, or the owner of a

Fixtures and fittings that you have installed foryour own use if you are a tenant, or the owner ofa strata title unit. strata title unit, if the body corporate or similar

body has insured them.

Furs.

Furniture and furnishings that are not built in.

Household goods that are not used for earning anincome.

Internal ceiling, floors, walls, doors and windowsif you own a strata title unit and the bodycorporate or similar body has insured them.

Internal ceiling, floors, walls, doors and windowsif you own a strata title unit and the bodycorporate or similar body has not insured them.

Unset precious/semi-precious stones (whetheror not thinly covered with gold or silver).

Items thinly covered with gold or silver that arenot jewellery or watches.

Landlords’ fixtures and fittings that you are liablefor under the terms of a rental agreement if the

Landlords’ fixtures and fittings that you are liablefor under the terms of a rental agreement.

landlord, body corporate or similar body hasinsured them.

Media purchased online, e.g. music, software, andvideos.

Model or toy aircraft.

Paintings and prints, tapestries, Persian or similarrugs, antiques and any other works of art.

Petrol powered bicycles of any kind.Bicycles with no attached engine.

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Mopeds.Electric bicycles not required to be registered bylaw with a motor no more than 200 wattscontinuous rated power.

Pedelec bicycles not required to be registered bylaw with a motor no more than 250 wattscontinuous rated power.

A pedelec bicycle is a bicycle where the rider'spedalling is assisted by a small electric motor thatautomatically cuts off once the bicycle reaches 25km/hour. The electric motor must only becomeactivated by the rider's pedalling.

Plants and trees growing outdoors in the ground.Plants or trees growing in pots or tubs.

Portable domestic appliances that are not built-in.

Sporting equipment.

Surfboards, sailboards, surf skis, kayaks and canoes. Watercraft that are powered by a motor of10hp or more.Personal watercraft.

Swimming pools, saunas and spas that are notbuilt-in and their accessories.

Costs of recording or recreating any event orinformation featured on the tapes, cassettes,cartridges, discs, vinyl records or portable harddrives.

Tapes, cassettes, cartridges, discs, vinyl records andportable hard drives.

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The following medical equipment;

hearing aids (excluding cochlear implants),spectaclescontact lensesartificial teeth or eyesdental aidsoxygen apparatusinsulin pumpswalking aidssleep apnoea machinesshowering aids, orsimilar medical equipment that does notrequire specialised fitting.

However, we will only provide cover that will notresult in any breach of the Private Health InsuranceAct 2007 (Cth) ('Act') or the Private Health Insurance(Health Insurance Business) Rules 2013 (Cth).

Unregistered motorcycles or mini-bikes up to125cc that do not require registration by law.

Registered motorcycles or mini-bikes.Unregistered motorcycles or mini-bikes upto 125cc (that do not require registration bylaw) when they are being used for racing orpacemaking.Unregistered motorcycles or mini-bikes over125cc.

Unregistered motorised golf buggies, ride-onmowers and wheelchairs.

Any property:illegally in your possession,stored in a dangerous and illegal way, orany equipment connected with growing orcreating any illegal substance.

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2. Contents with a specific limit

Under this category of contents there are set maximum amounts that we will pay when you make aclaim. The amounts we will pay and the limits that apply are listed in the table below and are inclusiveof GST.

Contents with a specific limit include

Accessories and spare parts for motor vehicles, motorcycles, mini-bikes, caravans, trailers and watercraftthat are not in or on them.

The most we will pay is $1,000 in total.

Money and negotiable documents.


Watercraft not powered by a motor or powered by a motor less than 10hp.


3. Valuables

The valuables we will protect under your contents cover are set out below:

jewellery and watchesitems containing gold or silver (this does not include items thinly covered with gold or silver or unsetprecious/semi precious stones)collections of stamps, money, medals, or other collectibles.

There are set maximum amounts that we will pay for each of the types of valuables listed above whenyou make a claim. For any one item, pair, set, collection or system of valuables, the most we will pay is$3,000 (inclusive of GST).

You can increase these limits by specifying items under the Specified Valuables optional benefit.

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WHERE WE WILL COVER YOU

Outlined below are the locations and conditions when we will cover your contents for damage or loss.

Up toWe will cover

The contents sum insured shown on your Policy Schedule.Your contents inside yourbuildings

The contents sum insured shown on your Policy Schedule.Your contents in the openair at your home

The relevant portion of your contents value at either the insuredsite or the new address that is relative to the total value of thecontents at both addresses up to the contents sum insured.

Your contents if your arerelocating to a newpermanent home up to 30days from date you startedto move

You can choose to cover your contents outside the home under the optional benefit 'Contents coveraway from home'. Please see Page 33 for more information.

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WHEN YOUR CONTENTS ARE PROTECTED

The events that your contents will be covered for are listed in the table below.


We won’t coverWe will coverEvent

Loss or damage to:Accidentalglassbreakage mirrors

glasswarecrystalglass in furniture.

Accidental breakage of fixed showerbases, basins, sinks, spas, baths and toiletsif you have insured your contents and livein a rented premises and you areresponsible for these items.

An item when it is chipped or fracturedthrough its entire thickness includingglass that is part of the television,computer screen or monitor.

Loss or damage as a result of a burglary,break-in or theft or an attemptedburglary, break-in or theft:

Any loss or damage as a result of aburglary, break-in, theft or an attemptedburglary, break-in or theft. The burglary,

Burglary,break-in ortheft

break-in, theft or an attempted burglary,break-in or theft, must be reported to thePolice.

by youby a tenantby somebody who resides in thebuildingsby someone else acting on yourbehalfwhere you share your buildings withmore than one other unrelatedperson who is not named under thisPolicy.

Cost to repair or replace an electric motorif it is older than 15 years old.

Cost to repair or replace an electric motorthat forms part of your contents if it burnsout or fuses.

Burning out(fusion) of anelectricmotor

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Loss or damage as result of a deliberateor intentional act by:

Loss or damage as a result of a deliberateor intentional act.

Deliberate orintentionalacts you

a tenantsomebody who resides at the sitesomeone else acting on your behalf.

Loss or damage as a result of anearthquake or tsunami if the loss ordamage occurs later than 72 hours afterthe earthquake or tsunami occurring.

Loss or damage as a result of anearthquake or tsunami.

Earthquakeor tsunami

Loss or damage caused by a bushfire orgrass fire that occurs within 48 hours ofthe start date of your Policy unless youtook out this Policy immediately after:

Loss or damage as a result of a fire or anexplosion.

Loss or damage as a result of charring,melting or scorching as a result of a firewithout the presence of flames.

Fire orexplosion

another insurance policy coveringthe same buildings expired, withouta break in cover, orthe risk passed to you as purchaserof your buildings.

Loss or damage as a result of charring,melting or scorching as a result of a firewithout the presence of a flame wherethe damage was caused by a:

hot item including cigarettes, cigarsor pipeshome heatercooking appliance

unless you have selected and paid for theAccidental loss or damage at home(Contents) optional benefit.

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Loss or damage that is caused by anyanimal or bird eating, chewing, clawingor pecking.

Loss or damage as a result of an impactcaused by:

Impactdamage

an aircraft, spacecraft or satellite, oranything dropped from thema falling television or radio antennamast or dishvehicles or watercraftan animal or bird that is not kept atyour sitea falling tree or part of a tree.

Cost of removing and disposing of thefallen tree or parts that caused thedamage.

Damage caused when you, or someoneelse acting on your behalf, cuts down orremoves branches from a tree.

Any other erosion, subsidence, landslideor earth movement event.

Loss or damage as a result of a landslideor subsidence if the loss or damageoccurs within 72 hours of an insuredevent being:

Landslide orsubsidence

an earthquake or tsunamian explosiona storm, rainwater, flood or windliquid escaping from:– a fixed pipe– an object attached to a pipe, fixed

gutter, fixed tank or a drain, or– a standalone swimming pool or

a standalone water tank.

Loss or damage as a result of a lightningstrike or thunderbolt.

Lightning orthunderbolt

Power surge to domestic equipment.Power surge

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Loss or damage as a result of riots, civilcommotion, or industrial or politicaldisturbances.

Riots or civilcommotion

Water entering your buildings:Loss or damage as a result of:Storm,rainwater,flood or wind through an opening made for any

building, renovation or repair workstorm (including named cyclone)rainwater

because of a structural defect, faultydesign or faulty workmanship.

flood, orwind.

Action by the sea.

High tide.

Storm surge except where it happens atthe same time as flood.

Loss or damage caused by a flood ornamed cyclone that occurs within 48hours of the start date of your Policyunless you took out this Policyimmediately after:

another insurance policy coveringthe same buildings expired, withouta break in cover, orthe risk passed to you as purchaserof your buildings.

Swimming pool covers, including solarcovers and plastic liners.

Loss or damage as a result of vandalismor a malicious act by:

Loss or damage as a result of vandalismor a malicious act.

Vandalism ora maliciousact

youa tenantsomebody who resides at the sitesomeone else acting on yourbehalf.

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Your contents for loss or damage causedby water or liquid entering yourbuildings:

Loss or damage caused by water or liquidescaping from:

Water orliquiddamage

a fixed pipe or an object attached toa pipe, fixed gutter, fixed tank or adrain

through an opening made for anybuildings, renovation or repair work

a bath, basin, sauna, spa, showerbase or shower wall, sink, toilet ortiled floor that has drainage holes

because of a structural defect, faultydesign or faulty workmanship.

a washing machine or dishwasheran aquariuma waterbeda swimming poola standalone water tank.

Cost of repairing the item from which thewater or liquid escaped.

Cost of finding where the water or liquidescaped from, including the cost ofrepairing any damage that occurs whilelooking for the cause.

ADDITIONAL CONTENTS BENEFITS

ANZ Home Insurance includes a range of additional contents benefits which are included in your Policywhen you obtain contents cover. The amount we will pay is in addition to the sum insured.

If you make a claim under your contents cover for additional contents benefits, you cannot claim thesame loss or damage under additional buildings benefits if you also hold buildings cover.


If you make a claim for an additional contents benefit, you will not need to pay an excess to that additionalcontents benefit.

The amounts we will pay and any limits that apply are listed in the table below and are inclusive of GST.

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Costs if you do notneed to pay foralternativeaccommodation.

Costs of alternative accommodation for up to 12months if your buildings suffer loss or damage andyou are unable to live in your buildings as a result.

If the loss or damage was as a direct result of acatastrophic event, we will cover you for up to 24months.

Alternativetemporaryaccommodation(including for pets)

The loss or damage must occur as a result of an eventwe have agreed to cover.

We will pay:

up to an amount that is equal to the weekly rentalvalue of your buildings before the event occurred,andthe reasonable costs of alternativeaccommodation for your pets.

Valuables, SpecifiedValuables, money ornegotiable documents.

Your contents for loss or damage while they are in acommercial storage facility in Australia up to the totalcontents sum insured, as listed on your PolicySchedule.

Contents in acommercialstorage facility

The loss or damage must occur as a result of an eventwe have agreed to cover.

We will not cover lossor damage:

Your contents for loss or damage while they are beingtransported by a vehicle to your home, or to acommercial storage facility within Australia, duringyour period of insurance.

Contents in transit

to glassware,crystal, crockery,mirrors or chinaLoss or damage must occur as a result of theft

following violent or forcible entry, or as a result of fire,collision or overturning of the vehicle that istransporting your contents.

caused bydenting,scratching,chipping orbruising.


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Costs to reproduce or restore them if the documentskept in your buildings or in a bank vault suffer damage,including costs to reproduce or restore theinformation contained on the documents.

Documentdamage


We will not cover anyperson that is workingfor you in your

If you employ a person to do domestic work at thesite, such as cleaning or gardening, you are coveredfor the amount you are liable for if they are injuredwhile working for you, subject to the relevantlegislation in your State or Territory.

Domestic Workers’Compensation(available in theAustralian CapitalTerritory, Tasmania,Western Australiaand the NorthernTerritory)

business, profession,trade or occupation, orif you are a landlord.The cover only applies to employees as defined by

the respective state legislation doing domestic workfor your household insured by this Policy.

Contents that arealready insured underanother Policy bysomeone other thanyou.

Costs to repair or replace them up to the limitsspecified if your employees’ belongings suffer loss ordamage:

Employees’belongings

as a result of an event we have agreed to coverwhile your employees are working at the site andwhile your employees are doing domestic workfor you.


Fractures that resultdirectly or indirectlyfrom:

If you fracture an arm or leg as a result of an accidentthat occurs at the site and you are admitted to ahospital.

Fracture to limbs (ifyou are over 50years of age)

We will pay up to $500 per claim. you participatingin anyThe most we will pay in any one period of insurance

is $1,000. professionalsporting activitya motor vehicle ormotor bikeaccident

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intentional selfinjury, suicide orattempted suicideany illness ordisease.

Reasonable costs to replace the loss of frozen food ifyour freezer breaks down or ceases to operate as aresult of an event we have agreed to cover.

Frozen food

The funeral costs if you, or any member of your familydies:

Funeral expenses

as a result of an event that occurred at the sitethat we have agreed to cover, andwithin 12 months of the event.


Contents that arealready insured underanother Policy bysomeone other thanyou.

The cost to repair or replace if contents belonging toyour guests or visitors suffer loss or damage as a resultof an event we have agreed to cover.


Guests’ or visitors’belongings

If we agree to pay you for a loss to your contents forthe total sum insured, we will increase your contentssum insured by 0.5% per month for the period sincethe start of your current period of insurance, up to thedate of loss.

Increase in suminsured

Reasonable costs to remove any debris resulting fromloss or damage to your contents from an event thatwe have agreed to cover.

Removal of debriscosts

We will pay up to 10% of the contents sum insured.

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Reasonable costs of replacing keys and repairs to, and/or recoding of locks and barrels if a key to an externaldoor or window lock of your buildings is stolen or lostas a result of an event we have agreed to cover. Anytheft must be reported to the Police.

Replacing keys andrepairs to,and/or recoding oflocks and barrels

Reasonable costs to remove your contents and storethem for up to 24 months if you are unable to live inyour home as a result of loss or damage caused by anevent we have agreed to cover. We will also coveryour contents while they are in storage.

Storage costs

The veterinary expenses if your pet is injured as a resultof a road accident in your period of insurance.

Veterinaryexpenses


CONTENTS OPTIONAL BENEFITS

When you choose 'Contents' cover you can also buy the optional benefits shown in the table below foran additional premium.

If you bought this optional benefit it will be shown on your Policy Schedule and only applies:

once you've paid us the premiumfrom the date the benefit is listed on your Policy Schedule.

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Accidental loss or damage at home (Contents)

We won't coverWe cover

Unexpected loss or damage to your contentsat your home, including items youaccidentally lose but only when you canestablish the cause.

Damage caused by an event excluded under anysection of your Policy.Loss or damage to sporting equipment while it isbeing used

Damage caused by charring melting andscorching as a result of a fire without thepresence of flames where the damage wascaused by a:

Loss or damage to bicycles while they are beingused for racing or pacemaking.

hot item including cigarettes, cigars orpipeshome heatercooking appliance.

Contents cover away from home

We won't coverWe will cover

Accessories and spare parts for motor vehicles,motorcycles, mini-bikes, caravans, trailers andwatercraft when they are removed from yourhome

Unexpected loss or damage to your contentsaway from your home, including items youaccidentally lose but only when you canestablish the cause.

How much we'll payWhere we will cover your contents awayfrom home

The contents sum insured shown on your PolicySchedule

Whilst in Australia and New Zealand up to120 consecutive days

25% of the contents sum insured shown on your PolicySchedule or $15,000 whichever is the lesser

Whilst outside Australia and New Zealandup to 120 consecutive days

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How much we'll payWhere we will cover your valuables andany specified valuables away from home

A total of 25% of the contents sum insured shown onyour Policy Schedule.

Anywhere in the world

Specified valuables are covered up to their specifiedsum insured.

How much we'll payWhere we will cover your sportingequipment away from home

The reasonable cost to repair or replace the itemWhilst stored within a club room for over 120consecutive days, within Australia or NewZealand

Specified valuables

Specified valuables cover is an optional benefit that provides cover for your contents for amounts higherthan what you're already insured for under the 'Valuables' section of your contents cover.

We won't coverHow much we'll payWe will cover

Up to the sum insured foreach specified valuablesitem set out in your PolicySchedule.

We'll cover your specifiedvaluables for loss or damagecaused by one of the insuredevents and any optional coveryou've selected.

Anything other than:– jewellery and watches– items containing gold or

silver.– collections of stamps, money,

medals, or other collectibles.Specified valuables:– Used in connection with a

profession, trade or business– Lost or damaged in transit

through post, commercialcourier or any other similarservice.

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LIABILITY COVER

WHEN IS LEGAL LIABILITY COVER PROVIDED?

Legal liability cover is included as part of your buildings or contents cover.

The cover provided varies if you have buildings cover, contents cover or both. Your Policy Schedule showswhich covers you have.

What is legal liability cover?

Legal liability cover insures you for claims made against you if you are legally liable for:

the death or injury of another person, orthe loss or damage of another person's property

occurring during the period of insurance.

How much we'll pay

We will pay up to the legal liability limit shown on the Policy Schedule for any one incident or series ofincidents arising from the same cause. This amount is inclusive of any legal and associated costs relatingto the claim made against you.

The cover provided is shown in the tables below, and any cover we provide is subject to exclusionsoutlined on Page 39 through to Page 40.

LEGAL LIABILITY COVER IF YOU HAVE INSURED YOUR BUILDINGS

We won’t coverWe will cover

Any incident which does not occur at your site.We will cover you for the amount you are liableto pay for a legal liability claim arising from anincident at your home.

This liability cover will cease on the earliest of thefollowing:

If your buildings are a total loss, we will coveryou for the amount you are liable to pay for alegal liability claim arising from an incident at

the date that re-construction commences atthe home

your site for up to 6 months from the date yourbuildings were destroyed.

if you sell your home, the date when riskpasses to the purchaser, orthe date you take out a new buildingsinsurance policy for your home.

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LIABILITY COVER IF YOU HAVE INSURED YOUR CONTENTS


We will not cover you for any event that happensanywhere in Australia in connection with your

We will cover you for the amount you are liableto pay for a liability claim arising from anincident occurring anywhere in position as a committee member of a sporting or

social club if you receive more than $1,000 peryear for holding that position.Australia

Australia in connection with your positionas a committee member of a sporting orsocial clubthe world for 120 consecutive days,starting from the time you leave Australia.

If you live in rented premises, we will cover youfor the amount you have to pay for a liabilityclaim as owner of your contents, or occupierof the rented premises.

We will not cover you for liability claims arising outof the use of a motor vehicle, motorcycle,watercraft, personal watercraft caravan or trailerexcept:

a watercraft that is less than four metres longand not powered by a motor, or powered bya motor less than 10hpunregistered motorcycles or mini-bikes up to125cc, which do not require registration bylawunregistered motorised golf buggies, ride-onmowers and wheelchairsmodel or toy aircraftsurfboard, kite surfer, sailboard, surf skis,kayaks and canoescaravan or trailer when it is not attached to amotor vehicle.

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FOR COMMITTEE MEMBERS

If you have insured your contents, we will pay up to $10,000 (inclusive of GST) for liability claims listed inthe table below, arising from your position as committee member of a sporting or social club.

This cover is not available under buildings cover.


If you receive more than $1,000 per year forholding this position.

For your liability in connection with yourposition as a committee member of asporting or social club. For liability claims for loss or damage to

someone else’s property, or death or bodilyinjury to other people.

For claims made against you for an allegedor actual act or omission during any oneperiod of insurance. When you are a committee member of a

committee other than a sporting or socialclub committee.

Only one claim during any one period ofinsurance.

Any alleged or actual act or omissioncommitted, or alleged to have beencommitted, prior to the commencement ofthe Policy.

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EXCLUSIONS

Any cover we provide is subject to the following exclusions:

general exclusions - applies to buildings, contents and liability covers including any optional benefitcover selectedbuildings and contents cover exclusions - apply to buildings cover claims and contents cover includingany optional cover selectedliability cover exclusions - apply to liability cover.

GENERAL EXCLUSIONS

We will not pay for any loss or damage, or liability caused directly by or arising from:

any event that does not occur within your period of insuranceinvasion, war, civil war or rebellion – war does not have to be declaredacts of terrorism where such act is directly or indirectly caused by, contributed to by, resulting from,or arising out of or in connection with biological, chemical, or nuclear weapons, pollution orcontaminationhostilities, rebellion, insurrection or revolutionlawful damage, destruction or confiscation of your propertynuclear weapons, nuclear fuel, waste or materialanything radioactivemildew, atmospheric or climatic conditionsdamage to a heating element, however we will pay for any loss or damage resulting from damageto a heating elementstorm surge except where it happens at the same time as flooderosionpollution or contaminationdemolition of buildingsaction by the sea unless the loss or damage is the result of a tsunamiany model aircraft being used illegally or in breach of any regulation, legal or safety requirement ofCASA or a government authority or clubyou or your family illegally keeping explosives, flammable or combustible substancesloss or damage caused by you or someone else acting on your behalfany financial or consequential loss.

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SANCTIONS LIMITATION AND EXCLUSION CLAUSE

You're not insured under any section of this Policy where a claim payment breaches any sanction,prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws orregulations of Australia, the European Union, United Kingdom or United States of America.

BUILDINGS AND CONTENTS COVER EXCLUSIONS

We will not pay for any loss or damage which is caused directly or indirectly by:

settling, shrinkage or any movement of earthsettling, shrinkage or expansion in buildings, foundations, walls or pavementserosion, rust, corrosion, gradual deterioration, depreciation, wear or tearvermin, birds or insectsroots from trees, plants, shrubs or grassany process of cleaning involving the use of chemicals other than domestic household chemicalsa defect in an item, structural defects, faulty or poor workmanship or designmechanical or electrical breakdown other than an electric motor burning out, unless the breakdownresults in damage to your buildings or contentsa deliberate act by you, your family or another person with your express or implied consent to causethe item to be lost or damagedprevious damage that has not been repaired.

If you leave your buildings unoccupied for a period of more than 120 consecutive days you will not becovered for:

fire or explosion other than if caused by a Catastrophic eventburglary, break-in or theftvandalism and malicious damagewater or liquid damageaccidental glass breakage.

LIABILITY COVER EXCLUSIONS

We will not pay for:

personal injury to:– You,– anyone who normally lives with you, or– any person you employ where that injury arises from their employment with you

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loss or damage to property that you or anyone else that normally lives with you:– owns or is legally responsible for, or– controlsloss or damage arising from either you or your family owning or occupying land or buildings notlisted on your Policy Schedule.loss or damage to property that belongs to any person you employ where that loss or damage arisesfrom their employment with you.penalties, fines or awards of aggravated, exemplary or punitive damages made against you.loss that can be reimbursed by your sporting or social club.

We will not pay for any liability caused directly or indirectly by:

any erection or demolition of buildings, construction, alterations, repairs, renovations or additionsto your home that cost more than $100,000 (inclusive of GST)any alterations, servicing, repairing or any additions to lifts, escalators or hoist, including anythingthat is part of a lift, escalator or hoistany personal profit or advantage that is illegalany disease that is transmitted by you, or any member of your family who normally lives with youany business, profession, trade or occupation carried out by youany agreement or contract you enter into, however if you would have been liable without theagreement or contract, we will pay for that liabilitythe use of, removal of or exposure to any asbestos product or products containing asbestosthe use of a motor vehicle, motorcycle, mini-bike, caravan, trailer, aircraft or watercraft, other thanthe following, but only if they are not required to be registered:– a ride-on mower– a model aircraft or toy– motorcycle or mini-bike up to 125cc– motorised golf buggies, ride-on mowers and wheelchairsvibration or interference with the support of the land, buildings or other propertythe discharge, release, dispersal or escape of any pollutants that are bacterial, viral or other germ, orany poisonous substances. This exclusion will not apply if such a discharge, release, dispersal orescape is caused by a sudden, accidental, unexpected and unintended happeninga conflict of duty or interestany act of libel or slanderany act or omission that is dishonest, fraudulent, criminal, wilful or maliciousdeliberate or intentional acts by you, or anyone acting for you, to cause loss, damage or injury.

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YOUR PREMIUM

HOW WE CALCULATE YOUR PREMIUM

Your premium, including any taxes and charges, will be shown on your Policy Schedule.

We will base your premium on:

the type, location, occupancy, construction and age of your buildings or contentsyour contents sum(s) insuredthe cost to rebuild your buildingsthe type and frequency of claims that you have madethe excess you've chosendiscounts you may be eligible for.

Premiums are also subject to Commonwealth and State taxes and/or charges, including GST and stampduty, which will be listed on your Policy Schedule.

Multi policy discount

A multi policy discount rewards you with a discount off your premium for holding multiple eligible ANZinsurance policies with us.

To be eligible you must hold two or more current ANZ Home, Landlord or Car Insurance policies and bea named insured with the same name on each eligible policy.

How it works

if you take out a new policy and you qualify for the multi policy discount, you are eligible to receivethe discount on that new policy immediately and other existing policies will recalculate from theirnext renewal datethe multi policy discount is calculated at each policy renewal based on the total number of eligiblepolicies. The maximum discount is achieved by having three or more eligible policies.if you take out both buildings and contents cover under the same policy number, this is consideredas one policy when calculating the multi policy discount.

If you believe that you are eligible for the multi policy discount and it does not appear on your PolicySchedule, please tell us.

When discounts are applied to your Policy

If you become eligible for any discounts during your period of insurance, the discount will be appliedon your next renewal.

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HOW TO PAY YOUR PREMIUM

We offer a range of convenient payments options. You can pay your premium:

annually in one lump sum, orin fortnightly or monthly instalments

by credit card or direct debit.

PROBLEMS WITH PAYING YOUR PREMIUM

If you cannot pay your premium on time, please contact the ANZ Insurance Centre immediately on13 16 14, weekdays from 8am to 8pm (AEST).

We may cancel your Policy in accordance with our legal rights if:

you do not pay your annual premium by the due dateyou pay your premium by instalments and you are more than one month behind.

If you pay by instalments, we may refuse to pay a claim if at least one instalment of the premium isoverdue for one month or more.

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YOUR POLICY

HOW TO RENEW YOUR POLICY

Before your current Policy expires, we will send you an invitation to renew your Policy or we will adviseyou that we will not renew your Policy. An invitation to renew will include an updated Schedule and thenew premium.

You will need to review the invitation to renew and comply with your duty of disclosure. If you have anyquestions or if you need to change your cover, you must contact the ANZ Insurance Centre on 13 16 14,weekdays from 8am to 8pm (AEST).

If you have previously paid your premium by instalments, we will continue to deduct payments fromyour nominated account when your Policy is renewed. If you paid your last premium in one lump sum,we must receive your payment by the due date, otherwise your buildings or contents will not be insured.

HOW TO CHANGE YOUR POLICY

It's important that all the details in your Policy Schedule are current and correct.

You must tell us as soon as possible if circumstances occur, or if changes or alterations are intended ormade which increase the risk of loss, damage or injury as this may limit your cover or prevent you fromclaiming on your Policy.

Examples include:

moving addresschanges in the occupancy or use of your buildingsyour buildings becomes unoccupied for more than 120 consecutive daysadditions or renovations you're planning to make to your buildings

You'll also need to consider the level of your sum insured when making changes such as:

purchasing new items that increase the value of your contents (you'll need to revise your sum insured)additions or renovations to your buildingpurchasing watches, jewellery or items containing gold or silver that are worth more than $3,000(you may wish to take Specified Valuables cover to be covered for the full amount).

If you leave your buildings unoccupied for a period of more than 120 consecutive days you will not becovered for:

fire or explosion other than if caused by a Catastrophic eventburglary, break-in or theftvandalism and malicious damage

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water or liquid damageaccidental glass breakage.

You can call us on 13 16 14 to request continued cover while it's unoccupied. If we agree to continueyour cover, we may ask you to pay additional premium or impose conditions or exclusions.

Step 1 – Contact us to change your Policy or update your details

Call the ANZ Insurance Centre on 13 16 14, weekdays from 8am to 8pm (AEST).

Step 2 – Check the changes

After we update your details, you will then be sent an Alteration Schedule.

You will need to review the Alteration Schedule. If you have any questions or if you need to make anychanges, you must contact the ANZ Insurance Centre on 13 16 14, weekdays from 8am to 8pm (AEST).

Step 3 – Pay your premium if it has increased

We will tell you if your premium has increased. If you pay your premium by instalments, we will adjustyour instalments and commence deducting the new amount from your nominated account. If you payyour premium in one lump sum, we must receive your additional payment within one month.

HOW TO CANCEL YOUR POLICY

If you want to cancel your Policy, call the ANZ Insurance Centre on 13 16 14, weekdays from 8am to 8pm(AEST).

We may need your cancellation request in writing. If you cancel your Policy before it ends, and providedno claim has been made, we will refund an amount for the unused premium.

COOLING OFF PERIOD

If you change your mind within 21 days of buying your Policy, you can cancel it and receive a full refund.Naturally, this doesn't apply if you've made or are entitled to make a claim. Even after the cooling offperiod ends, you still have the right to cancel your Policy. However, we may deduct some costs from anyrefund, as set out in the Policy Wording under 'HOW TO CANCEL YOUR POLICY'.

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YOUR RESPONSIBILITIES TO US

CONDITIONS WHEN YOU ARE INSURED WITH US

In addition to your duty of disclosure, there are other conditions that you must meet when you are insuredwith us.

You must:

be honest in any statement you make in connection with your Policypay your premium, including paying instalments regularly and on timetake reasonable precautions to avoid a claim being madeobey all laws and make sure anyone acting on your behalf obeys all lawscomply with the conditions of this Policynot make a fraudulent claim under this Policy or any other Policy.

Joint and co-insureds

If more than one person is insured under your Policy, we’ll treat a statement, act, omission, claim, requestor direction by that person as having been made by all insured.

We only need a request from one person insured to cancel or change your Policy.

Other interests

You must not transfer any interests in your Policy without our written consent.

Any person whose interests you've told us about and we've noted on your Policy Schedule is bound bythe terms of your Policy.

Other party's interests

You must tell us of the interest of all parties (e.g financiers, lessors or owners) who'll be covered by yourPolicy. We'll protect their interests only if you've told us about them and we've noted them on your PolicySchedule.

Notices

Any notice we give you will be in writing, and will be effective once it’s delivered to you personally oronce it is sent to your last known address (including when it is sent to an electronic address includingyour nominated email address).

It's important for you to tell us of any change of address as soon as possible.

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CONSTRUCTION, RENOVATIONS, ALTERATIONS OR REPAIRS

You need to contact us and provide details before you start any construction, renovations, alterations orrepairs to your building where the estimated value is over $100,000. If we agree to insure you while thisis happening, we'll confirm in writing and may require an additional premium.

Unless we otherwise agree, we don't insure buildings in the course construction, renovation, alterationor repair where the estimated value is over $100,000. If this happens to your building, your Policy will becancelled by us and any unused premium returned to you.

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CLAIMS

HOW TO MAKE A CLAIM

To help us make the claims process as easy as possible for you, please follow these simple steps forbuildings or contents claims.

Make sure you have all the relevant information to support your claim

We will need:

any letters, notices or court documents about the event within 72 hours of receiving themthe event report number for any claims in relation to theft, attempted theft, vandalism or a maliciousact. The Police will provide you with this number when you report the event to themcontact details, that you are able to obtain, of any other people involved in the event, including theirname, current residential address and who they are insured with.

Call us on 13 16 14 (24 hours, 7 days) to make a claim

Our Claims Assistance Service is open 24 hours, 7 days a week so we can give you immediate advice andassistance with your claim. You will need to make your claim as soon as possible as any delays may reducethe amount that we can pay, or prevent us from paying a claim.

To help us assess your claim when you call, we will ask you a range of questions and you may need toprovide:

proof of ownershipan inspection of your buildings or contentsquotes from a repairer.

At the time of making a claim under the Policy, you must provide us with certain GST information relevantto both your Policy and your claim. If you do not provide us with this information we may deduct up to1/11th of the amount otherwise payable in settlement of your claim.

CONDITIONS YOU MUST COMPLY WITH WHEN MAKING CLAIMS

Where allowed by law, we have a right to recover from any person, the amount of any monies payableto you under the Policy and we have sole discretion in the way we handle these matters. We will onlypay a claim where you have complied with the following conditions:

You must:

be honest and you must give us any information or assistance we require to investigate and processyour claim including allowing us access to your site to inspect it where necessarytake reasonable precautions to prevent and mitigate any further loss, damage or liability arising

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contact the Police immediately if your buildings or contents suffer loss or damage as a result of theftor burglary or attempted burglary, vandalism or a malicious act.unless you are preventing further damage, keep all damaged buildings or contents so we can inspectthem if required and do not repair or replace any damaged buildings or contents without our consent.

You must not:

admit guilt or fault, except in a Court or to the Policeoffer or negotiate to pay a claim or make repairsadmit liabilitydispose of damaged items unless we've said you candelay in telling us about an incident as it may reduce the amount we pay for your claimgive us false or misleading information.

Emergency repairs

You must not authorise repairs to or arrange replacement of any of the property insured in connectionwith any claim without our consent, other than emergency repairs necessary to prevent further loss. Ifwe agree to pay your claim, we will pay for these repairs, but you must retain all receipts.

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EXCESSES

An excess is an amount you pay whenever you make a claim.

Your Policy Schedule sets out the excess amounts you pay. We deduct the excess from the amount ofyour claim if it's a buildings or contents claim.

If you claim under 'Liability cover' you will not pay your excess.

If you claim on more than one cover for the same incident, you'll only need to pay the highest applicableexcess.

The excess amount(s) are shown on your Policy Schedule.

When it appliesExcess types

All buildings claims unless otherwise stated.Home building excess

All contents and specified valuable claims unless otherwise stated.Home contents excess

In addition to the home building excess or the home contentsexcess for all earthquake or tsunami claims.

Earthquake or tsunami excess

In addition to any excesses that apply to a claim as set out onyour Policy Schedule.

Imposed excess

An imposed excess may be required to cover your building and/orcontents and if it does, it will be shown on your Policy Schedule.

HOW WE SETTLE A BUILDINGS CLAIM

We will decide how we will settle your claim

If your buildings are a total loss and we accept your claim, full building replacement cover will applyunless we determine the buildings to be in a dilapidated condition at the time of a claim. In this case wemay settle your claim for a reduced amount in accordance with our legal rights.

If we accept your claim, we will decide whether to:

repairrebuildpay you the cost to repair or rebuild that part of your buildings that suffered damage (cash settlement).

Where we settle a buildings claim, we are entitled to retain the salvage.

Where your claim is not a total loss you will be fully insured again for your buildings.

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If we settle your buildings claim on a total loss basis, then your Policy comes to an end, subject to anycontinuing liability cover and no refund of your premium is due.

If you pay your premium in instalments and your building is a total loss, any payment we make to youwill be minus the instalments you're yet to pay. This amount is the difference between what you'vealready paid us (via your instalments) and what you would've paid us for the remainder of the insuredperiod. The amount will either be deducted from a completed claim or paid by you before we settle yourclaim.

What happens if we decide to repair your buildings

If we decide to repair your building(s), we will:

only repair the part or parts of your buildings that actually sustained damage, including damagedportions of fixed coverings to walls, floors and ceilings, in the rooms, halls or passages where thedamage occurred, to a condition as close as possible to when new, but not bettertry to match any material used to repair your buildings with the original materials or nearest equivalentavailable to the original materialsensure the repairs to your buildings comply with government and local authority bylawsallow you to choose your own repairer or tradesperson, or we can help you to find one; we maydecide not to accept your chosen repairer if the quote and credentials are not acceptabledeal directly with the repairer or tradesperson concerning payment.

Note: If repairs do not start within six months of the acceptance of your claim, we may not pay any increasein costs caused by your delay.

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What happens if we decide to rebuild your buildings in the event of a total loss

If we decide to rebuild your buildings in the event of a total loss, we will:

rebuild your buildings to a condition as close as possible to when new, but not betterensure your buildings comply with government and local authority bylawsallow you to choose your own repairer or tradesperson, or we can help you to find one; we maydecide not to accept your chosen repairer if the quote and credentials are not acceptabledeal directly with the repairer or tradesperson concerning payment.

You may choose to have the buildings replaced at another site, but we will not pay more than the FullBuilding Replacement cost would have been at the original site.

Note: If rebuilding does not start within six months of the acceptance of your claim, we may not pay anyincrease in costs caused by your delay.

What happens if we decide to pay you the cost to repair or rebuild your buildings

If we decide to pay you the cost to repair or rebuild your buildings we will:

pay you the cost of repairing your buildings to a condition as close as possible to when new, butnot betterpay you the full building replacement cost of rebuilding your building(s) to a condition as close aspossible to when new, but not better, in the event of a total lossdeduct any:– excess– unpaid premium– input tax credit you would have been entitled to under A New Tax System (Goods and Services Tax)

Act 1999 if you had paid to repair or rebuild your buildings.

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Matching materials

When we pay to rebuild or repair your building, we'll pay the reasonable cost to match materials howeverif we can't we will match to the nearest equivalent material available.

Lifetime guarantee on buildings repairs

We guarantee that if we have:

selected and directly authorised or arranged for a repairer to replace, repair or rebuild your buildings,andpaid, or have a legal liability to pay, the supplier, repairer or builder directly for this work, anda defect arises in the lifetime of your buildings as a result of poor quality workmanship or use ofincorrect or poor quality materials,

we will rectify the problem by arranging, directly authorising and paying for further replacement, repairor rebuilding.

We will also handle any complaint about the quality or timeliness of the work or conduct of the repaireras part of our complaints handling process.

This guarantee does not apply to:

buildings replacement, repairs or rebuilding that you arrange, authorise or make yourself (even ifwe give you the name of a possible supplier, repairer or builder who is involved with the repair), orbuildings replacement, repairs or rebuilding that you arrange, authorise or make yourself (even ifwe give you or a supplier, repairer or builder a cheque for all or part of the repair cost), orloss, damage or failure of any electrical or mechanical appliances or machines that form part of yourbuildings, orwear and tear consistent with normal gradual deterioration of your buildings (e.g. paint peeling offas part of its normal life cycle, wood rotting or mould from moisture in the air or ground, roofsweathering or a hot water system leaking as a result of normal gradual deterioration).

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Fences

When we agree to pay a claim for loss or damage of any shared or dividing fence;

we will pay no more than your proportion of costs for the repair or replacement in accordance withthe relevant legislation, for example; Dividing Fences Act or Dividing Fences and Trees Act or anysimilar legislation. Typically your proportion of costs will be 50% of the repair or replacement costof the fence, andif there is no legislation in place in relation to the amount that you are liable for with respect to therepair or replacement of dividing fences, then we will pay no more than 50% of the cost of repair orreplacement of the shared or dividing fence.

However, we will pay the full cost of repair or replacement of the fence if:

there is no neighbour who is liable to share the cost of repairing or replacing the fence, orthe loss or damage to the fence was caused by an insured event at your site and you are liable topay the full cost of repair or replacing the fence.

We will pay no more than the cost to repair or replace a fence of the same quality and specification ofthe fence which was damaged.

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HOW WE SETTLE A CONTENTS CLAIM

We will decide how we will settle your claim

If your contents suffer loss or damage, we will decide whether to:

repair an itemreplace an item orpay you the cost to repair or replace the item.

Where we settle a contents claim, we are entitled to retain the salvage.

Where claims are made for less than the sum insured, you will be fully insured again for your contentsfor the amounts shown on your Policy Schedule.

Where a claim is for a total loss and we pay you the sum insured, then your Policy comes to an end andno refund of your premium is due.

If you pay your premium in instalments and your contents is a total loss, any payment we make to youwill be minus the instalments you're yet to pay. This amount is the difference between what you'vealready paid us (via your instalments) and what you would've paid us for the remainder of the insuredperiod. The amount will either be deducted from a completed claim or paid by you before we settle yourclaim.

If we decide to repair your contents

We will repair the damaged item to the condition it was when new. However, if the item we are repairingis part of a pair, set, collection or system of items, we will only repair the part of the pair, set, collectionor system of items that was damaged.

If we decide to replace your contents

We will replace the item with the nearest equivalent new item.

If the item we are replacing is part of a pair, set, collection or system of items, we will only replace thedamaged or lost item itself.

We will only replace wall, floor and ceiling coverings, including carpets, floating floorboards, internalblinds and curtains, in the room, hall or passage where the loss or damage occurred. We will not replacethose items in the adjoining rooms, or in your entire home.

If we decide to pay you the cost to repair or replace your contents

We will pay you the fair and reasonable cost we would have incurred to repair or replace the damagedor lost item. If the item is part of a pair, set, collection or system of items, we will only cover the value ofthe damaged or lost item itself and pay up to the value of that item as a proportion of the combinedpair, set, collection or system of items (even though the pair, set, collection or system of items mayconsequently be less valuable).

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We will pay this amount after deducting any:

excessunpaid premiuminput tax credit you would have been entitled to under A New Tax System (Goods and Services Tax)Act 1999 if you had paid to repair or replace your contents or valuable items.

If we decide to settle a specified valuables claim

If a specified valuable item is damaged beyond repair, lost or stolen

Single item claim

If a single specified valuable item is insured under this Policy:

is either damaged beyond repair, lost or stolen, andwe accept your claim and replace it

then our obligations to you have been met with respect to the specified valuable item and that part ofyour Policy will come to an end.

Multiple item claim

If multiple specified valuables items are insured under this Policy:

are either damaged beyond repair, lost or stolen, andwe accept your claim and replace them

then our obligations to you have been met and the cover will come to an end only for those specifiedvaluables items which we have replaced, Your Policy will continue to cover those specified valuablesitems which you have not claimed for and for which we have not accepted your claim for.

Cover for replacement jewellery items

If we replace a jewellery item then that replacement item is not covered under this Policy. If you wish toinsure a replacement item with us you will need to apply to us and pay for cover.

MORTGAGEE'S RIGHTS

If a mortgagee is named on your Policy Schedule and we’re settling your buildings claim on a cash basis,we reserve the right to pay all or part of the payment to the mortgagee.

The amount we pay to the mortgagee will be either:

the amount owing on the mortgage (with any balance paid to you), orthe amount we agree to pay in settlement of the buildings claim.

A payment made to a mortgagee will satisfy our obligation to you for the amount paid.

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FINANCIER'S RIGHTS

If a financier has a security interest in your property (including your contents or specified valuables), we'llpay:

the financier your sum insured, up to the amount required to discharge your loan or financeagreement, andyou any remaining balance of your sum insured.

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CUSTOMER COMPLAINTS

HOW TO RESOLVE A COMPLAINT OR DISPUTE

Talk to us

We're committed to ensuring our products and services meet your expectations and we value yourfeedback regarding how we are performing.

Our customer care unit is your first point of contact for raising complaints or providing feedback. Youcan contact us directly via phone, email or in writing and we will endeavour to resolve your concernsquickly and fairly. We will aim to resolve your complaint within 15 business days.

13 16 14, weekdays 8am-8pm (AEST)Phone

[email protected]

Customer Care UnitPost

PO Box 213

Parramatta NSW 2124

Escalating your complaint

If you are not satisfied with the resolution offered by our customer care unit, you can have your complaintreviewed by a Dispute Resolution Specialist.

A final decision will be provided within 15 business days of your complaint being escalated, unless theyhave requested and you have agreed to give them more time.

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External dispute resolution

If you are not satisfied with the outcome of your complaint, or if we’ve taken more than 45 days to respondto you from the date you first made your complaint, you can contact the Financial Ombudsman Service(FOS), an ASIC approved external dispute resolution body.

FOS is a free service that resolves insurance disputes between consumers and insurers. If you wish toaccess FOS, you can contact them:

1800 367 287, weekdays 9am-5pm (AEST, except on publicholidays)

Phone

[email protected]

GPO Box 3Address

Melbourne VIC 3001

fos.org.auOnline

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OUR COMMITMENT TO YOU

THE GENERAL INSURANCE CODE OF PRACTICE

QBE Australia is a signatory to the General Insurance Code of Practice.

The Code aims to:

commit us to high standards of servicepromote better, more informed relations between us and youmaintain and promote trust and confidence in the general insurance industryprovide fair and effective mechanisms for the resolution of complaints and disputes between usand youpromote continuous improvement of the general insurance industry through education and training.

QBE PRIVACY

QBE will collect your personal information when you deal with us, our agents, other companies in theQBE group, intermediaries who arrange insurance with us (such as Australia and New Zealand BankingGroup Limited) or suppliers acting on our behalf. We use your personal information so we and ourintermediaries can do business with you, which includes issuing and administering our products andservices and processing claims. We may disclose your personal information to our related bodies corporate,business partners and intermediaries, and as otherwise set out in our privacy policy. Sometimes we mightsend your personal information overseas. The locations we send it to can vary but include the Philippines,India, Ireland, the UK, the US, China and countries within the European Union.

Our Privacy Policy describes in detail where and from whom we collect personal information, how wetypically disclose personal information, as well as where we store it and the full list of ways we could useit. Our Privacy Policy also sets out how (i) you can access and/or correct your personal information; (ii)make a privacy complaint; and (iii) how we will deal with any privacy complaints. To get a free copy of itplease visit qbe.com.au/privacy or contact QBE Customer Care on 13 16 14 or using the other contactmethods in the 'Customer Complaints' section of this document.

It’s up to you to decide whether to give us your personal information, but without it we and ourintermediaries might not be able to do business with you, including not paying your claim.

ANZ PRIVACY STATEMENT

ANZ is committed to ensuring the confidentiality and security of your personal information. As thedistributor of this product, ANZ collects your personal information from you in order to distribute, manageand administer its products and services. Without your personal information, ANZ may not be able toprocess your application or provide you with the products and services you require.

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http://qbe.com.au/privacy

ANZ's Privacy Policy details how ANZ manages your personal information and is available on request ormay be downloaded from anz.com/privacy

In order to undertake the distribution, management and administration of ANZ's products and services,it may be necessary for ANZ to disclose your personal information to certain third parties.

Unless you consent to such disclosure ANZ will not be able to consider the information you have provided.

Providing your information to others

The parties to whom ANZ may routinely disclose your personal information include:

to QBE, as the issuer of this product;an organisation that assists ANZ and/or its related companies to detect and protect against consumerfraud;any related company of ANZ which will use the information for the same purposes as ANZ and willact under ANZ's Privacy Policy;an organisation that is in an arrangement or alliance with ANZ and/or any of ANZ's related companiesto jointly offer products and/or to share information for marketing;purposes (and any of its outsourcedservice providers or agents), to enable them or ANZ and/or any of its related companies to provideyou with products or services and/or to promote a product or service;organisations performing administration or compliance functions in relation to the products andservices ANZ provides;ANZ's solicitors or legal representatives;organisations maintaining ANZ's information technology systems;organisations providing mailing and printing services;persons who act on you behalf (such as your agent or financial adviser);regulatory bodies, government agencies, law enforcement bodies and courts.

ANZ and its related companies will also disclose your personal information in circumstances where theyare required by law to do so.

ANZ may disclose information to recipients (including service providers and related companies) whichare (1) located outside of Australia and/or (2) not established in or do not carry out business in Australia.

You can find details about the location of these recipients in ANZ's Privacy Policy which can be found atanz.com/privacy

If you do not want ANZ or its related companies or alliance partners to tell you about products or services,phone Customer Services 13 13 14 to withdraw your consent.

Collecting sensitive information

ANZ will not collect sensitive information about you, such as information about any criminal charges,without your consent. Any sensitive information collected about you will only be used by the insurer toassess your application and if approved, to provide this product.

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Privacy consent

ANZ may send you information about its financial products and services from time to time. ANZ mayalso decide to disclose your information (other than sensitive information) to its related companies oralliance partners to enable them or ANZ to tell you about a product or service offered by them or a thirdparty with whom they have an agreement.

You may elect not to receive such information at any time by contacting Customer Services on 13 13 14.

Where you wish to authorise any other parties to act on your behalf, to receive information and/orundertake transactions please notify ANZ in writing.

If you give ANZ personal information about someone else, please show them a copy of this documentso that they understand the manner in which their personal information may be used or disclosed byANZ in connection with your dealings with ANZ.

Privacy Policy

ANZ's Privacy Policy contains information about:

When ANZ may collect information from a third party;How to access and seek correction of personal information;How you can raise concerns that ANZ has breached the Privacy Act or an applicable code and howANZ will deal with those matters.

You can contact ANZ about your information or any other privacy matter as follows:

GPO Box 75Sydney NSW 2001

Email [email protected]

ANZ may charge you a reasonable fee for this.

If any of your personal information is incorrect or has changed, please let ANZ know by contactingCustomer Services on 13 13 14.

More information can be found in ANZ's Privacy Policy which can be obtained from its website atanz.com/privacy

Kinds of personal information we collect and hold

Personal information we may collect from you includes:

your name, address, date of birth and contact details;details of any property you insure;your financial details, if you take out consumer credit insurance, if your insured property is financedas well as when you decide to pay us by direct debit;medical and health information, if you take out travel or sickness and accident insurance or if youclaim relates to a sickness or an accident;

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professional qualifications, if they are relevant to the insurance you take out with us; andyour past employment, qualifications, residency status and proof of identity if you apply to workwith us.

Sources of personal information

We may ask you to provide us with your personal information if you're:

our customer or a beneficiary under one of our customer's policies;involved in a claim as a claimant or as a witness;a customer of one of out business partners or insurance intermediaries;an entrant in a competition or a participant in a loyalty programme or marketing initiative;a business partner, where we may contact you to promote our products and services;a trainee or person using our training facility; oran applicant for employment, through our recruitment services provider.

In most cases we'll collect personal information directly from you. We'll obtain your consent to collectsensitive information, such as information about your health, unless we're required or permitted by lawto collect it without your consent.

If you're a borrower and your financial institution has required you to pay for lenders' mortgage insurance(LMI) you're not our insured, but we collect your information so that we can assess the risk that you maydefault on your loan. For more information about LMI and your privacy please visit www.qbelmi.com.au

Purposes for collecting, holding, using and disclosing personal information

We only collect, hold, use and disclose your personal information in ways that you'd reasonably expectand where it is reasonably necessary for our business, including:

issuing, administering and managing insurance policies;processing claims and taking recovery action;working with our business partners and insurance intermediaries;assessing your suitability to work with us; andconducting marketing initiatives and promotional activities.

We'll request your consent for any other purpose which you wouldn't reasonably expect.

If you choose not to provide us with your personal information, we may not be able to do business withyou.

Anonymity and pseudonymity

There are circumstances where you may be able to deal with us anonymously or by using pseudonym,including where you're only looking for general information about one of our products or services or aquote.

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How personal information is collected and held

We collect your personal information when you contact us, use our online services, enter our promotions,participate in marketing initiatives, deal with our business partners and insurance intermediaries andwhen you apply to work with us.

Your personal information is recorded in our systems, databases and paper records and is held in secureenvironments. We may use our related bodies corporate, agents and third party suppliers for data storage,which may be located outside of Australia.

Any personal information you provide over the internet is held securely and isn't retained on our webservers. We use service providers and secure online payment facilities so that you can pay us by creditcard. Your details can't be accessed through the internet after your payment has been processed.

When you visit our websites we use common internet technologies, such as cookies, to collect generalstatistical information to assist you to use our online services. We don't collect personal information fromcookies or use cookies for marketing purposes.

Disclosure to overseas recipients

Sometime we store or disclose your personal information overseas. The location varies but includes thePhilippines, India, Ireland, the UK, the USA, China and countries within the European Union.

Where your personal information has been disclosed overseas, there's a possibility that the recipient maybe required to disclose it under a foreign law. Where this occurs, such disclosure isn't a breach of the Act.

Who we may disclose your personal information to and why

We, or our agents, may disclose your personal information to:

any person authorised by you;our related bodies corporate, including QBE's services company located in the Philippines whichprovides sales, claims, accounting and administration services;mail houses, records management companies or technology services providers for printing and/ordelivery of mail and email, including secure storage and management of our records;financiers of any property you insure with us, to confirm that your policy is current or where yourproperty is a total loss, to confirm they have a current interest;medical practitioners or health care providers, to establish your medical status, arrange appropriatetreatment and services. In an emergency we may also disclose information to your employer orfamily members;organisations that provides banking or transactional services to facilitate payments to and from us;co-insureds, to confirm that full disclosure has been made to us;other insurers to obtain information about your past insurance history, including to confirm a noclaims bonus status, to assess insurance risk or assist with an investation;our reinsurers;dispute resolution organisations such as the Financial Ombudsman Service;

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companies that conduct customer surveys on our behalf; andinsurance reference bureaus to report claims your make with us.

We may also disclose your personal information to:

repairers and suppliers, to repair or replace your property;Investigators and assessors, to investigate and assess your claim and matters related to it;lawyers and recovery agents, to defend an action by a third party against you, to recover our costs(including amounts you owe us) or to seek a legal opinion on matters related to products or servicesyour have with us;witnesses, to obtain a witness statements; andOther parties to a claim to obtain statements from them, seek recovery or to defend an action.

Personal information about you may also be collected from these people and organisations.

Accessing and seeking correction of your personal information

Our aim is to always have accurate, complete, up-to-date and relevant personal information. When youtalk to us or if we send you documentation, you should check that the information we hold about youis correct.

You can request access to the personal information that we hold about you at any time, and ask us tocorrect any errors. Generally no restrictions or charges will apply.

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FINANCIAL CLAIMS SCHEME

This policy is a protected policy under the Financial Claims Scheme (FCS), which protects certain insuredsand claimants in the event of an insurer becoming insolvent.

In the unlikely event we become insolvent you may be entitled to access the FCS, provided you meetthe eligibility criteria.

More information may be obtained from APRA – apra.gov.au or 1300 55 88 49.

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GLOSSARY

The words and terms used throughout this Policy have special meanings set out below.

We meanWhen we say

Unintended and unexpected.Accidental

Rise in the level of the sea, sea waves, high or king tides, tidal waves or any othermovement of the sea other than tsunami.

Action by thesea

Buildings that you own or are legally responsible for as defined under ‘Whatbuildings we protect’ on Page 6 to Page 7.

Buildings

A major, suddenly occurring natural disaster covered by this Policy.Catastrophicevent

An object of real or intrinsic value collected as an investment, hobby or generalinterest purpose and the item is not used as a household good or personal effect.

Collectibles

Contents that you own or are legally responsible for as defined under ‘What contentswe protect and how much will be paid’ on Page 18 through to Page 21.

Contents

A conscious or reckless act done without the owner's permission.Deliberate orintentional act

A single occurrence or a series of occurrences, including an accident or series ofaccidents, arising out of one event.

Event/Incident

The amount you pay when you make a claim on your Policy. The amount and typeof excess that may apply to your Policy is shown on your current Policy Schedule.

Excess

A person or entity with a security interest.Financier

Any household equipment or household items that are permanently attached toyour buildings.

Fixtures andfittings

The covering of normally dry land by water that has escaped or been released fromthe normal confines of any of the following:

Flood

a. a lake (whether or not it has been altered or modified);b. a river (whether or not it has been altered or modified);c. a creek (whether or not it has been altered or modified);

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We meanWhen we say

d. another natural watercourse (whether or not it has been altered or modified);e. a reservoir;f. a canal;g. a dam.

This is the total amount payable to rebuild your buildings at the insured site to thesame size and standard as your current buildings in the event that a total loss occursas a result of an insured event.

Full BuildingReplacement

Where you buildings or contents are located. This includes any land or other areathat touches your home and for which any statutory authority has made youresponsible, but it does not include the nature strip outside your home. Your homeis located at the address shown on your current Policy Schedule.

Home

An act done with intent and without your consent.Malicious act

A small sized, unmanned replica of any aircraft that's flown solely for toy, hobby,leisure, sport or recreational purposes, provided that it:

Model aircraft

isn't a balloon or kiteisn't used for anything other than the purpose for which it was originallydesignedhas a wingspan of no more than 150 centimetresweighs no more than two kilograms, including anything in, on or attached toit (for example, a camera or gimbal)costs no more than $1,500 when new including anything in, on or attachedto it.

A model aircraft doesn't include anything ever used in connection with or in relationto any commercial purpose or earning any income.

The period this Policy operates for as shown on your Policy Schedule.Period ofinsurance

Vessels designed to be operated by a person standing, sitting astride or kneelingupon them that use water jet propulsion with an engine in a watertightcompartment.

Personalwatercraft

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We meanWhen we say

The contract between you and us which provides you with insurance cover inexchange for a premium. Your Policy is made up of:

Policy

this combined Product Disclosure Statement (PDS) and Policy document andany Supplementary PDSyour current Policy Schedule.

One of the following:Policy Schedule

Policy ScheduleRenewal ScheduleAlteration Schedule.

The total amount you pay for your insurance that includes applicable governmenttaxes such as GST, and any duties or charges payable by you. It is shown on yourcurrent Policy Schedule.

Premium

Land at the address shown on your Policy Schedule on which your buildings standor strata title unit is located, including the yard or garden used only for domesticpurposes but does not include common property.

Site

Tools designed to be used in a leisure activity involving some element of physicalactivity or competition, excluding bicycles.

Sportingequipment

An increase in the water level caused by storm and tide.Storm surge

Title under a strata title or similar community strata title scheme where separateparts of the scheme building(s) have a separate legal title. Strata title usually appliesto high rise apartments, townhouses, villas or duplexes.

Strata title

The replacement value at today's prices for your buildings or contents.Sum insured

For buildings, this will be calculated for you.

For contents, this will be the value nominated by you.

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We meanWhen we say

A separate document that updates, corrects or adds to the information containedin this PDS.

SupplementaryProductDisclosureStatement(SupplementaryPDS)

Any act of any person acting on their own or in connection with an organisationor foreign government, which can involve the use of or threat of force or violence,where the purpose, by its nature or context, is to put the public or section of thepublic in fear, to resist or influence a government or, to further an ideological,religious, ethnic or similar aim.

Terrorism

When we decide that:Total loss

it is uneconomical to repair or rebuild your buildingsa claim for contents reaches your sum insuredit is uneconomical to repair a specified valuables item.

QBE Insurance (Australia) Limited ABN 78 003 191 035, AFSL 239545Us, we and our

The person or people named as the insured on your current Schedule. If you aremaking a claim, ‘you’ also includes any member of your family, including yoursiblings, your domestic partner, you or your partner’s unmarried children, you or

You and your

your partner’s parents, who live permanently with you. If more than one person isnamed as the insured, we will treat a statement, act, omission or claim by any oneof these people as a statement, act, omission or claim by them all.

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The insurer – Domestic Workers’ Compensation

If your home is in Western Australia, the Australian Capital Territory, Tasmania or the Northern Territory, the insurer providing the Domestic Workers’ Compensation cover is QBE Insurance (Australia) Limited ABN 78 003 191 035. Cover is provided under a statutory Policy issued by QBE Insurance (Australia) Limited ABN 78 003 191 035. Claims are managed by QBE Insurance (Australia) Limited ABN 78 003 191 035.

Talk to staff at any ANZ branch

Call 13 16 14 weekdays 8am to 8pm (AEST)

Visit anz.com/insurance

FIND OUT MORE AND TAKE OUT COVER TODAY

Call 13 16 14

For 24 hour claims service

PRODUCT DISCLOSURE STATEMENT

AND POLICY DOCUMENT

6 NOVEMBER 2017

ANZ HOME INSURANCE

Australia and N

ew Zealand Banking G

roup Limited (A

NZ) A

BN 11 005 357 522.

AN

Z Item N

o. 70835/1117 QBE Item

No. Q

M2087/1117.

387670_70835/1117Insurer

QBE Insurance (Australia) Limited (QBE)ABN 78 003 191 035AFSL 239545

anz.com/insurance

Documents

SUPPLEMENTARY PRODUCT DISCLOSURE …...Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. url.com SUPPLEMENTARY PRODUCT DISCLOSURE STATEMENT This Supplementary